Live Dealer Baccarat Third Card Rules – Know When to Draw!

Leticia "Letty" Santos
Written byLeticia "Letty" SantosWriter
Fact checked byClara McKenzieFact Checker

Casino Live Baccarat is a relatively straightforward game. Players simply choose a side to bet on – the Banker or Player side. Bettors can also predict a tie, although this bet rarely pays out. The objective is to choose a side that creates a hand value of 8 or 9 (natural) with the two dealt cards on each side.

But it's common for neither side to create a natural with the first two cards in live casino baccarat. If that happens, players draw an extra card. But some rules govern how players draw the third card. Read on to learn!

Live Dealer Baccarat Third Card Rules – Know When to Draw!

What is the Third Card Rule in Live Baccarat Online?

In baccarat, different rules determine how the Banker and Player sides behave in case neither side hits a natural. But don't get it all wrong. These are simply the procedures to ensure that there is a winning side in this live casino game. Remember that the game ends after the third card is drawn, hence the importance of learning the third-card rule.

Third Card Rule on the Player Side

After two cards are dealt to both sides face-down, baccarat rules dictate that the Player side goes first. No hard feelings, but that's just how this card game works. So, if the Player doesn't hit a natural, you must determine your next move.

First, they stand if the hand value is a 7 or 6. This means the Player doesn't get an extra card, and the Banker side will reveal their combination. But if the Player's hand has a value of 0 to 5, they get an additional card.

But sometimes, both sides can draw a natural. If this happens, the round becomes a tie or push. But wait, a natural of 9 is better than a natural of 8. Therefore, the highest value hand wins.

Third Card Rule on the Banker Side

The third card rule on the Banker side is more complicated and exciting. That's because the Banker is the next to play after the Player has revealed their cards. This can make the experience a bit gut-wrenching. That said, the Banker stands if they reveal a hand total of 7 or 6. In addition, the Banker gets an extra card to play if their hand total is anything between 0 and 5. It sounds like a stalemate, right?

If the Player gets a third card and the Banker has 2 or less, they receive another card regardless of the Player's third card value. Also, the Banker gets another card if they have a hand value of 3 unless the other side has a natural. It doesn't stop there. If the Banker's total hand value is 4, they draw another card if the Player's extra card is 2-3-4-5-6-7. The Banker also stands if their total hand value is 7.

To avoid further confusion, here is a table illustrating how the third card rule works with the Banker's hand:

Banker's Hand Total Action if Player Stands Action if Player Draws Third Card
0 - 2 Draws a card Draws a card
3 Draws a card Draws unless Player's 3rd card is 8
4 Draws a card Draws if Player's 3rd card is 2-7
5 Draws a card Draws if Player's 3rd card is 4-7
6 Stands Draws if Player's 3rd card is 6 or 7
7 Stands Stands
8 - 9 Natural (Stands) Natural (Stands)

Banker or Player – Which Side is Best?

This is a question that most new live dealer baccarat players struggle to answer. Consider this: the Player's hand is the first to go and the most likely to draw an additional card. That's because the Player side will likely get a 0 because King, Queen, Jack, and 10 count as zero in baccarat. In short, the Banker only makes a move after learning what is on the other side.

In addition, the probability of winning the Banker bet is higher than the Player bet. The Banker has a 45.8% chance of winning compared to 44.6% on the Player side. Although this might not matter much to the naked eye, it will determine how many wins you have in the long run.

But don't dismiss the Player's bet too quickly. The 1.24% house edge is one of the lowest in any live baccarat casino. In addition, the casino will take a 5% commission on all your Banker bet wins. This is how the best live casinos make their money.

About the author
Leticia "Letty" Santos
Leticia "Letty" Santos
About

Letty Santos, a vibrant spirit from the heart of Manila, seamlessly merges her passion for Filipino culture with the exhilarating world of online casinos. Bringing a unique Filipino touch to every project, she's a gem in the casino localization realm.

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More posts by Leticia "Letty" Santos

What triggers the third card draw in Live Dealer Baccarat for the Player's hand?

In Live Dealer Baccarat, the Player's hand receives a third card if its total is between 0 and 5. No third card is drawn if the total is 6 or 7, known as a 'stand'.

How does the Player's third card affect the Banker's action?

The Banker's decision to draw a third card is influenced by the Player's third card. If the Player draws, the Banker draws or stands according to specific rules that consider both the Banker's initial total and the Player's third card value.

What are the Banker's third card rules when the Player stands?

If the Player stands (does not draw a third card), the Banker draws a third card on totals of 0-5 and stands on 6-7.

Does the Banker always draw a third card on certain totals in Baccarat?

Yes, in Live Dealer Baccarat, the Banker always draws a third card on totals of 0, 1, or 2, regardless of the Player's hand.

Are the third card rules in Live Dealer Baccarat mandatory?

Yes, the third card rules in Live Dealer Baccarat are mandatory and followed strictly. Both the Player and the Banker must adhere to these rules, with no discretion allowed.

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